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Madison Police

Madison, WI · Charter 66412

Q3 2002

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2002, the quarter ended September 30, 2002, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Madison Police

Madison, WI · Charter 66412

Q3 2002

$800KAssets
$489KLoans
$742KShares
$57KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -21.60%, down 2,142 bps year over year; NIM at -11.30%.
  • Asset quality: problem loans at 10.48% of loans (-171 bps YoY).
  • Capital: net worth / assets of 7.10%, down 1,926 bps from a year ago.
  • Funding: loans stand at 65.94% of shares as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

-21.60%-2,142 bps YoY

Net Interest Margin (YTD, annualized)

-11.30%-1,593 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

7.10%-1,926 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2000Q2 2001Q4 2001Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets-0.18%-2.36%-1.62%-0.50%-21.60%-2,142 bps
Return on Equity-0.70%-9.54%-6.38%-2.27%-304%-30,341 bps
Net Interest Margin4.63%4.74%4.58%3.78%-11.30%-1,593 bps
Efficiency Ratio100.53%103.37%104.96%101.72%n/an/a
Growth
Asset Growth (YoY)-10.81%-11.84%-7.30%8.46%6.32%+1,713 bps
Loan Growth (YoY)-21.36%-18.81%-14.63%-0.61%-6.05%+1,532 bps
Share Growth (YoY)-14.36%-14.21%-7.50%13.66%33.94%+4,829 bps
Asset Quality
Delinquent Loans / Loans12.20%12.46%18.20%13.33%10.48%-171 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.74%2.44%2.84%3.27%7.23%+649 bps
Capital
Risk-Based Capital26.36%24.75%25.35%21.93%7.10%-1,926 bps
Net Worth / Assets26.36%24.75%25.35%21.93%7.10%-1,926 bps
Liquidity & Funding
Loans / Shares93.99%88.09%91.93%76.04%65.94%-2,806 bps
Liquid Assets / Assets27.97%32.26%30.44%39.96%41.02%+1,305 bps